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Debit Card Intro

DEBIT CARDS (CARD-US Nodes)Debit cards are general purpose cards issued in your user's name. They are linked to a deposit account and requires the same KYC as a deposit account. KYC includes SSN & Government ID.

SUBCARDS (SUBCARD-US Nodes)Subcards are cards issued in your platform’s name for the benefit of your users. Because these cards are issued in your platform’s name, KYC obligations are more flexible since we already have due diligence on your platform. However, this means the funds being spent on the card are held in your platform’s name, so the use-cases are more limited. These types of cards are better if you are extending a line of credit in your platform’s name, issuing corporate cards for employees to spend company funds, etc.

NODE TYPE

TYPE

DEFAULT PERMISSIONS

COMMENT

CARD-US

INACTIVE

A virtual or physical debit card issued to a user

SUBCARD-US

INACTIVE

A virtual or physical debit card issued to the platform for the benefit of the user.

CARD-US Node Object

_id :

string

Object ID of the node

_links.self.href :

string

HAL style link for the node

allowed :

string

Denotes the account standing. Look at the node permissions section above to learn more

client.id :

string

ID of the client that created the node

client.name :

string

Name of the client that created the node

info.nickname :

string

Any nickname/common name given to the node. Eg. Savings Node

info.document_id :

string

User's document ID that the card is associated with

info.balance.amount :

string

Avaliable balance on the card

info.balance.currency :

stringUSD

Avaliable balance's currency on the card

info.preferences.allow_foreign_transactions :

booleanfalse

Allow foreign transaction on card

info.preferences.atm_withdrawal_limit :

integer1000

Daily ATM cash withdrawal limit

info.preferences.max_pin_attempts :

integer3

Max consecutive incorrect pin attempts allowed before card is locked

info.preferences.pos_withdrawal_limit :

integer1000

Daily cash withdrawal limit on POS (Point of Sale)

is_active :

booleantrue

If the node is indexed or marked deleted.

timeline :

array of objects

Array that tracks node updates as they occur

type :

string

Type of node

extra.supp_id :

string

Any supplied ID given by the client that created the node

NODE PERMISSIONS

CREDIT-AND-DEBIT

Node can be used for sending/receiving funds.

INACTIVE

Funds can be credited into the card node but cannot be debited.

LOCKED

Node cannot be used for transactions. This can be used when an account is fraudulent.

Card Return Codes

Code

Description

CR01

Transaction not approved; Possible NSF

CR02

International transaction detected; This card does not have international transaction permissions

CR03

Transaction exceeds ATM or POS withdrawal limits

CR04

Invalid PIN attempted; Please try again or reset the pin

CR05

Card status is in a state which does not allow for any transactions

CR06

Invalid expiration date

CR07

Transaction validation failed

CR08

There is an issue with the card; please check the card

CR09

There is an issue associated with the card deposit account of the card